Mindphynorica - Smart Capital Allocation & Financial Solutions

Information We Collect

At Mindphynorica, we collect various types of information to provide you with our capital allocation services effectively. This includes personal information you provide directly to us, information we collect automatically through your use of our platform, and information from third-party sources when necessary for our services.

Personal Information You Provide

Account registration details including your name, email address, phone number, and mailing address

Financial information such as bank account details, investment preferences, and financial goals

Identity verification documents including government-issued ID and proof of address

Communication records when you contact our support team or participate in surveys

Investment history and portfolio information you choose to share with us

Information We Collect Automatically

When you use our platform, we automatically collect certain information about your device and usage patterns. This includes your IP address, browser type, operating system, referring website, pages viewed, and the dates and times of your visits. We also collect information about your interactions with our platform, such as the features you use most frequently and your navigation patterns.

We use cookies and similar tracking technologies to enhance your experience on our platform. You can control cookie settings through your browser preferences, though disabling certain cookies may limit some functionality.

How We Use Your Information

We use the information we collect to provide, maintain, and improve our capital allocation services. Your information helps us understand your financial goals, customize investment recommendations, and ensure the security of your account and transactions.

To process your investment transactions and manage your portfolio according to your preferences

To verify your identity and comply with legal requirements for financial services

To communicate with you about your account, investment opportunities, and important updates

To analyze market trends and improve our investment algorithms and platform functionality

To detect and prevent fraudulent activities and ensure platform security

To provide customer support and respond to your inquiries and concerns

To send you marketing communications about our services, which you can opt out of at any time

We may also use aggregated and anonymized data for research purposes, to improve our services, and to develop new features. This aggregated data cannot be used to identify individual users and helps us better understand market trends and user behavior patterns.

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. However, we may share your information in specific circumstances that are necessary for providing our services or as required by law.

Service Providers and Partners

We work with trusted third-party service providers who help us operate our platform and provide our services. These providers may have access to your personal information but are contractually obligated to protect it and use it only for the specific services they provide to us.

Financial institutions and payment processors for transaction processing and account management

Technology service providers for platform hosting, data storage, and security services

Identity verification services to comply with know-your-customer requirements

Professional service providers such as legal and accounting firms when necessary

Customer support platforms to help us respond to your inquiries effectively

Legal Requirements

We may disclose your information when required by law, such as in response to subpoenas, court orders, or regulatory requests. We may also share information when we believe it's necessary to protect our rights, your safety, or the safety of others, or to investigate potential fraud or security incidents.

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change in ownership or control of your personal information.

Data Security

We take the security of your personal and financial information seriously. We implement multiple layers of security measures to protect your data from unauthorized access, disclosure, alteration, or destruction.

Technical Safeguards

End-to-end encryption for all data transmission and storage of sensitive information

Multi-factor authentication requirements for account access and sensitive operations

Regular security audits and penetration testing by independent security firms

Secure server infrastructure with 24/7 monitoring and intrusion detection systems

Regular software updates and security patches to address potential vulnerabilities

Operational Safeguards

Our employees receive regular training on data privacy and security practices. Access to personal information is restricted to employees who need it to perform their job functions, and all access is logged and monitored. We also maintain incident response procedures to quickly address any potential security breaches.

While we implement robust security measures, no system is completely secure. We encourage you to use strong passwords, enable two-factor authentication, and regularly monitor your account for any suspicious activity.

Your Privacy Rights

You have several rights regarding your personal information. We're committed to helping you exercise these rights and maintaining transparency about how we handle your data.

Access and Portability

You have the right to access the personal information we hold about you. You can request a copy of your data in a structured, commonly used format. This includes your account information, transaction history, and any other personal data we've collected.

Correction and Updates

If you believe any information we have about you is inaccurate or incomplete, you can request corrections. You can update most of your personal information directly through your account settings, or contact us for assistance with more complex changes.

Deletion and Restriction

Request deletion of your personal information, subject to legal and regulatory requirements

Restrict the processing of your information in certain circumstances

Object to processing of your information for marketing purposes

Withdraw consent for processing where we rely on your consent

Please note that we may need to retain certain information for legal compliance, fraud prevention, or to complete transactions you've initiated. We'll explain any limitations when you make a request.

To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Retention

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period varies depending on the type of information and the purpose for which it was collected.

Account information is retained for the duration of your relationship with us and for seven years after account closure as required by financial regulations

Transaction records are kept for at least seven years to comply with tax and financial reporting requirements

Communication records are retained for three years to help resolve any disputes or provide customer support

Marketing and analytics data is typically retained for two years unless you opt out earlier

Security logs and fraud prevention data may be retained for up to five years

When we no longer need your information, we securely delete or anonymize it according to our data destruction policies. Some information may be retained in anonymized form for statistical analysis and service improvement purposes.

International Data Transfers

As an Australian-based company, we primarily store and process your data within Australia. However, some of our service providers may be located in other countries, which may involve transferring your data internationally.

When we transfer data internationally, we ensure appropriate safeguards are in place, including standard contractual clauses, adequacy decisions, or other approved transfer mechanisms. We only work with service providers who can demonstrate adequate data protection standards.

Countries where your data may be processed include the United States, European Union member states, and other countries with adequate data protection frameworks. We regularly review our international data transfer practices to ensure compliance with applicable privacy laws.

Children's Privacy

Our services are not designed for or directed at children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We'll work with you to address the situation and ensure your child's information is properly handled.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through your account dashboard, email, or other appropriate means.

We encourage you to review this privacy policy periodically to stay informed about how we're protecting your information. The date at the top of this policy indicates when it was last updated. Your continued use of our services after any changes indicates your acceptance of the updated policy.

If you disagree with any changes to this privacy policy, you may close your account. We'll provide you with reasonable notice of material changes and, where required by law, obtain your consent before implementing changes that significantly affect how we use your personal information.

Privacy Policy